Car Loan Eligibility Requirements and Conditions


  • Maximum vehicle age 7 calendar years
  • Vehicles with 100,000 miles or greater are not eligible for financing
  • No hybrid-modified vehicles or non-standard manufacturer vehicles will be financed
  • No commercial vehicles
  • No vehicles used for commercial/business purposes
  • No salvage, rebuilt or branded title vehicles
  • No gray market or lemon law vehicles
  • No motorcycles
  • No cash out or title loan financing


  • Applicant(s) must be US Citizens or Permanent Legal Residents


  • No independent dealer purchases Footnote 1
  • Seller(s) and registered owner(s) listed on the title must be one and the same
  • Vehicle must be purchased directly from the seller/owner (no consignments)

Loan Structure

  • Term Limits may apply
  • Loan amounts $7,500 - $1,000,000
  • Loan to value restrictions apply
  • Down payment may be required
  • A loan fee may apply
  • Powers of Attorney are not accepted
Footnote 1 Independent Dealers are not affiliated with an auto manufacturer and may sell many different brands of used vehicles
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